For most people, filing an insurance claim is fraught with anxiety because we all know that the insurance companies are looking for loopholes to be able to pay you the bare minimum or nothing at all. So if you’ve had a disaster in your home, here are some steps you need to take before you file that claim:
Take pictures. Photographs provide evidence of the damage of the disaster. We recommend pictures of any damage that has been sustained, either to the building itself or your belongings. A disaster relief team can help take photos of both the damage and the cleaning process, if you are unable to do so, or do not have access to a camera or phone. You should also take pictures of rooms or areas that are not damaged because it is proof of a well-maintained home and it can prevent unethical contractors from claiming additional damage in those rooms.
Do not clean up right away. You take pride in your home. As a homeowner, when damage occurs, your first response might be to start cleaning up the effects—such as standing water. We understand that temptation, but you need to wait and have it done professionally. If you’re filing an insurance claim, your insurer is going to need the most comprehensive report of the disaster. You need to document the damage first; otherwise, your claim will be weakened or even denied.
Call a local company that offers disaster relief services. This actually needs to be done right away. It looks like it’s the last thing on this list, but it’s really not. Call us, and then start taking pictures. In fact, we suggest calling your local disaster company in Southwest Florida, Spectrum Cleaning & Restoration of SWFL before contacting your insurance provider. Why? You may not be sure if the damage is significant enough to involve your insurer; your policy may have a high deductible, and if the damage is less than that, a claim could do more harm than good when it comes time to renew your policy. If this is not your first claim, you might be concerned that your insurer will raise your rate, or even cancel your policy. At Spectrum we will assess the situation and then help you determine whether or not you should file a claim with your insurer.
If your home or business is damaged, you can trust the experienced pros at Spectrum Cleaning & Restoration of SWFL to help you through every aspect of the arduous process to come. It doesn’t matter if your property has been damaged by fire, smoke, water damage, floods, mold, or mildew. We can help. Call us at 239-910-6381.
